pattern better job market has taken by these ways has not gone unnoticed by me, not by the unemployed or underemployed constituents in my district. you made some headlines about a month ago at a press conference when jamie dimon asked you about performing an examination of the agenda to the effects of these new mandates. dodd-frank, basel iii, not to mention health care. on jobs in credit availability. as i recall your response was that you can't pretend that anybody really has, because it's just too complicated. now, i learned a long time ago in my business career that anything i do in anything we do should be smart. smart is an acronym for specific, mr. kibble, attainable, realistic and timely. the measure will want is the one i had a problem with. it's been a month now that banks are now looking at must understand much higher. nosac higher compliance stop. has the fed began such an examination study yet? can we expect to see it? can we expect to see some measurability of what these regulations are? >> yes. let me first say that i agree with a lot of which is it about free trade, smart regulation, f